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秀田武仁耕
Sorry for late reply. Had to do some reading and further research to straighten up my mind.
I broken down to the fundamental, and concluded what housing is really just an investment product for me. And if it is an investment product, then I have to consider the expected future returns and the (value and Quality of asset). And in Hong Kong, anything that has slight quality, would be min 10 million, which means we need to at least put down 5m for down payment. And at the moment, just seems dumb to do.
Just found out we have an extra kid, so the house I just got won’t be big enough too, so even if we come back, won’t be enough for us. And we can’t sell it due to the taxes as well...so dumb.
Anyway, I have decided that we will only rent in near future. Gives me a lot more option. (I will still get houses tho, but not necessarily in hk, unless if the returns make sense)
The big problem now is. It is very scary to managed a 7-8 figure portfolio. Getting paranoid in the last week.
You brought up an interesting point re rates. You can actually get better rates with banks now. My mortgage was 2.37 and bank just called me last week and I could borrow at 2.15 now.
I broken down to the fundamental, and concluded what housing is really just an investment product for me. And if it is an investment product, then I have to consider the expected future returns and the (value and Quality of asset). And in Hong Kong, anything that has slight quality, would be min 10 million, which means we need to at least put down 5m for down payment. And at the moment, just seems dumb to do.
Just found out we have an extra kid, so the house I just got won’t be big enough too, so even if we come back, won’t be enough for us. And we can’t sell it due to the taxes as well...so dumb.
Anyway, I have decided that we will only rent in near future. Gives me a lot more option. (I will still get houses tho, but not necessarily in hk, unless if the returns make sense)
The big problem now is. It is very scary to managed a 7-8 figure portfolio. Getting paranoid in the last week.
You brought up an interesting point re rates. You can actually get better rates with banks now. My mortgage was 2.37 and bank just called me last week and I could borrow at 2.15 now.
老猫再世
好認同其實買樓係傻瓜式坐住等佢升， 但就要坐好耐。
樓上有班鐘意自由靈活， 大搵大賺， 但唔係個個人take risk ge 能力同傾向都咁strong。
各有各投資， 反正唔好爛賭有不良愛好就已經好夠。
樓上有班鐘意自由靈活， 大搵大賺， 但唔係個個人take risk ge 能力同傾向都咁strong。
各有各投資， 反正唔好爛賭有不良愛好就已經好夠。
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王者熊大
睇返樓主同一眾支持者既留言真係好正
再加埋其他巴打話輸埋首期，輸埋結婚錢既帖
有冇幾多人輸到傾家蕩產
- 分享自 LIHKG 討論區
https://lih.kg/1923074
:^(
再加埋其他巴打話輸埋首期，輸埋結婚錢既帖
:^(
有冇幾多人輸到傾家蕩產
- 分享自 LIHKG 討論區
https://lih.kg/1923074
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樓豬交左租未